of money to you $8000 down at the opportunity cost of money over 3+ years is a lot of money. With the market coming back, it could easily triple. So, since it's your 8 grand, pay it later, not in front. Any plan which will put you in for no down and lower payments is therefore better. I can't understand not leasing. I get my cars no down, $600 per month, and sell them for a positive cash flow after 35 months. And, I write them off against my consulting business. So what if I put 50K miles on them. I sell them.